Indonesian foreign debt and economic obstacles

According to the research of ABD an economist Ju Zhong Zhuang Islamic Development Bank 伊斯蘭建設銀行（IDB ) and International Labor Organization（ILO）there are 3 major obstacles to Indonesian’s economic development:
A. Incomplete and low-quality infrastructure
B. Low-quality government apparatus
C. Uneven education (51% of the labor only attained Elementary School degree)
Moreover, the loan rate in Indonesia is the highest in the entire Southeast Asia. Low capitals.